The correct answer is C. Only I, II and III.
Mortality is the probability of death of an individual at a given age. Interest assumption is the rate of return that the insurance company expects to earn on its investments. Office expenses are the costs incurred by the insurance company in running its business. All of these factors are taken into account when fixing the premium for an insurance policy.
Option A is incorrect because it only includes mortality. Option B is incorrect because it only includes mortality and interest assumption. Option D is incorrect because it only includes interest assumption and office expenses.